Bernard

Bernard is 39 years old and married with four children. He owns a small store selling body lotion, soap, water, tomato sauce, etc to sell. He has 10 years of experience. His business is well organized and he works from 7am until 8 pm every day. Bernard currently employs one person to help him.

Bernard has requested a loan from Kiva lenders via Vision Finance Company in order to purchase more body lotion, soap, water, tomato sauce, etc to sell. He plans to reinvest any profit in his business and to build his own house.

Additional Information

About Vision Finance Company s.a – Rwanda (VFC)

Vision Finance Company (VFC) was Kiva's first partner in Rwanda. Established in 1999, VFC is an affiliate of World Vision International. Since its founding, VFC has been committed to alleviating poverty in Rwanda by ensuring that poor people have access to credit to support business initiatives that will improve their life circumstances.

VFC has a broad set of products and services, offering Community Banking services for self-selected groups of 10-30 borrowers, Solidarity Group services for more experienced groups of entrepreneurs, and Individual Loans for customers who already have a small established business. Vision Finance is also among the very few financial institutions targeting farmers and providing agricultural credit options in Rwanda, where access to credit is critical to the success of agricultural enterprises.